Porto SeguroBSP:PSSA3 +3.04%74 3-Year ROIIC % is 12.62 as of Dec. 2025, which is 86% above its 10-year median of 6.79. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$44.99 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 335 Insurance companies, Porto Seguro ranks better than 70.15% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Porto Seguro's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 12.62%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Porto Seguro's 3-Year ROIIC % or its related term are showing as below:
BSP:PSSA3's 3-Year ROIIC % is ranked better than 70.15% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs BSP:PSSA3: 12.62
Porto Seguro (BSP:PSSA3) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Porto Seguro 3-Year ROIIC % Related Terms
Porto Seguro 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Porto Seguro's 3-Year ROIIC % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BSP:PSSA3 vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, Porto Seguro's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Porto Seguro 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Porto Seguro's 3-Year ROIIC % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Porto Seguro (BSP:PSSA3) has a 3-Year ROIIC % of 12.62 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Porto Seguro and its competitors. This is 86% above median its historical median of 6.79. According to the industry distribution chart, Porto Seguro ranks #100 out of 335 companies in the Insurance industry, placing it in the top 29.9%.
Is Porto Seguro's 3-Year ROIIC % too high?
Porto Seguro's current 3-Year ROIIC % of 12.62 is 86% above median its 10-year median of 6.79. The Insurance industry median 3-Year ROIIC % is 5.20. Porto Seguro's value of 12.62 is 142.7% above this industry median. Based on the distribution chart, Porto Seguro ranks #100 out of 335 companies in the Insurance industry, which is above the industry midpoint. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #100 out of 335 companies for 3-Year ROIIC %. This puts Porto Seguro in the upper half of its industry. The industry median 3-Year ROIIC % is 5.20. Porto Seguro's value of 12.62 is 142.7% above this benchmark. While the company's 10-year median is 6.79 vs. the industry median of 5.20, Porto Seguro has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porto Seguro's current 3-Year ROIIC % of 12.62 is 142.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Porto Seguro and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current 3-Year ROIIC % is 12.62, which is 86% above median its own 10-year median of 6.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$44.99, compared to a current price of R$54.97 — trading 22.2% above its estimated fair value. The current 3-Year ROIIC % is 12.62, which is 86% above median its 10-year median of 6.79 and 142.7% above the Insurance industry median of 5.20. Porto Seguro's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current 3-Year ROIIC % is 12.62 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Porto Seguro (BSP:PSSA3) Overvalued in 2026?
Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued.
The current stock price of R$54.97 is trading 22.2% above its estimated GF Value™ of R$44.99.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
3-Year ROIIC %: 12.62 (86% above median its 10-year median of 6.79)
GF Value™: R$44.99 vs. price of R$54.97 (22.2% above fair value)
Industry Position: 142.7% above the Insurance median (#100 of 335)
No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
74GF Score
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